Clarkston State Bank

Headquartered in Clarkston, MI

The troubled asset ratio

1. A "troubled asset ratio" compares the sum of troubled assets with the sum of Tier 1 Capital plus Loan Loss Reserves. Generally speaking, higher values in this ratio indicate that a bank is under more stress caused by loans that are not paying as scheduled. Each bank graphic is on it's own scale: use caution when comparing two banks.

2. The graphs are for comparing this bank to the national median troubled asset ratio. Because the ratio varies so widely among banks across the nation, the scale is not consistent from bank to bank and the graphs should not be used to compare banks to one another.

Financial details for Clarkston State Bank

Line item

Assets

Deposits

Loans

Loan loss provision

Profit

Capital

Reserves

Loans 90 days or more past due

Non-accruing loans

Other real estate owned

Capital plus reserves

Total troubled assets

Dec. 31, 2013

$127,269,000

$111,338,000

$103,015,000

$-410,000

$5,098,000

$10,888,000

$1,821,000

$0

$278,000

$1,396,000

$12,709,000

$1,674,000

Dec. 31, 2014

$143,254,000

$125,451,000

$112,807,000

$0

$2,074,000

$12,005,000

$1,873,000

$0

$144,000

$1,396,000

$13,878,000

$1,540,000

Note: The Federal Deposit Insurance Corp. insures deposit accounts up to $250,000. The "troubled asset ratio" is not an FDIC statistic. It is derived by adding the amounts of loans past due 90 days or more, loans in non-accrual status and other real estate owned (primarily properties obtained through foreclosure) and dividing that amount by the bank's capital and loan loss reserves. It is reported as a percentage. For example, a bank with $100,000 in "troubled assets" and $1,000,000 in capital would have a "troubled asset ratio" of 10 percent. For a fuller explanation, see our methodology.

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